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Atlantic Union Bankshares (AUB) investor relations material
Atlantic Union Bankshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Completed Sandy Spring acquisition on April 1, 2025, adding $13.0B in assets and $11.2B in deposits, significantly expanding scale and market presence in the Mid-Atlantic region.
Integration progressing smoothly, with focus on North Carolina expansion and positive operating leverage; 10 new branches planned over three years starting in 2026.
Net income available to common shareholders was $16.8M ($0.12 per share) for Q2 2025, down from prior periods due to merger-related costs and CECL Day 1 provision.
Adjusted operating earnings were $135.1M ($0.95 per share), more than doubling year-over-year, driven by Sandy Spring acquisition, CRE loan sale, and equity capital raise.
CRE loan sale and equity interest sale generated pre-tax gains of $15.7M and $14.3M, respectively, reducing CRE concentration and increasing growth capacity.
Financial highlights
Total assets reached $37.3B at June 30, 2025, up from $24.6B at year-end 2024, mainly due to the Sandy Spring acquisition.
Loans held for investment were $27.3B, up $8.9B from the prior quarter; total deposits reached $31.0B, up $10.5B.
Net interest income for Q2 2025 was $321.4M, up $137.2M sequentially; net interest margin rose to 3.78%–3.83%.
Noninterest income for Q2 2025 was $81.5M, up $57.7M year-over-year, mainly from CRE loan and equity sales.
Noninterest expense for Q2 2025 was $279.7M, up $145.5M, primarily due to $78.9M in merger-related costs and higher salaries.
Allowance for credit losses was $342.4M (1.25% of loans), mainly due to Sandy Spring acquisition.
Outlook and guidance
Year-end 2025 loan balances projected at $28.0–$28.5B; deposit balances at $31.0–$31.5B.
Allowance for credit losses to loans expected at 1.2–1.3%; net charge-off ratio forecasted at 15–20 bps for 2025.
Full-year net interest income projected at $1.15B–$1.2B; NIM expected in the 3.75–4% range, assuming three 25 bp Fed rate cuts.
Adjusted operating non-interest income expected at $175M–$185M; adjusted operating non-interest expense at $670M–$680M.
Management expects further cost synergies and business integration benefits from Sandy Spring acquisition.
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Next Atlantic Union Bankshares earnings date
Q3 202523 Oct, 2025
Next Atlantic Union Bankshares earnings date
Q3 202523 Oct, 2025
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Frequently asked questions
Atlantic Union Bankshares Corporation is a financial holding company that operates through its banking subsidiary, Atlantic Union Bank. The company provides a range of banking and financial services including commercial lending, personal banking, mortgage origination, and wealth management. It serves customers across Virginia and neighboring states. Atlantic Union Bankshares Corporation is headquartered in Richmond, Virginia, and its shares are listed on the NASDAQ.
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